A Fool and Her Money- CAFCGIRL's Debt Diary

bella20_2

well done!! bet your glad thats out the way!

i've been in my new department for a week now and its going good, not half as bad as i expected!

have a good weekend everyone!!!!!!!!

Open_Wallet_Surgery

So everybody had a good day today ?

How you doing CAFC girl ?

Whats everybody up to tonight ????
Cheap night in or out on the lash ????:beer: :eek:

CAFCGirl

Having a good day thanks for asking!

Spent £4 today, £3 on lunch for BF and me, and £1 on bunch of flowers!

BF paid for dinner so balances out.
Cheap night in with a DVD from love film.

On a DFW note, I have just redeemed 3000 points with MutualPoints which translates to £20 cheque coming soon!
Will throw that straight at the Store Card Challenge I set myself. Haven't made any overpayment on it yet feel like such a loser!

Who knows maybe this time next week I'll have a brand new job, and 3k extra to look forward to!!!!

Open_Wallet_Surgery

Fingers and other dangly bits crossed for you !:cool2: :wave:

Open_Wallet_Surgery

>>>>Cheap night in with a DVD from love film.

Forgot ask:- "What was the film then????"

Chick flick perchance ??????????????:think:

CAFCGirl

Surprisingly not!

rented Hostage, with Bruce Willis, and the bl**dy thing kept freezing. So didnt actually see what happened!

Will write strongly worded complaint here!
How useless.

It's only 2pm and already I've spent £4 on a foot file!
I've lost mine, cannot find it anywhere!

Will make sure that is it for the day.

CAFCGirl

Have just done a round up of the months spend so far, and I am quite frankly appalled at myself!

From what I can gather from my internet banking I have spent:
£105 on FOOD!
£25 on toiletries and household items
and £120 on just spending!

Absolutely dreadful on my part!

And I'll admit I spent more on the BF's birthday present that I ever intended in the first place!

I'm actually really annoyed with myself, not to the point of crying but I just need to sort myself out!

Now this month I've got 2 utility bills to pay!
Water £75
Electricity £80

These are quarterly but I'm dreadful with saving a bit each month for them! Stupid on my part I know!

About time I kicked myself into touch obviously!

ZTD

CAFCGirl wrote:

From what I can gather from my internet banking I have spent:
£105 on FOOD!
£25 on toiletries and household items
and £120 on just spending!

So what does your spend diary say about it - can you break down the "Food" and "Just Spending" down further, to see what you are actuall spending your money on?

CAFCGirl wrote:

Absolutely dreadful on my part!

It's not that bad. I spend £90 on coconut oil. :eek:

CAFCGirl wrote:

I'm actually really annoyed with myself, not to the point of crying but I just need to sort myself out!

Don't worry. You are sorting yourself out. You've started the spend diary - that's the reconnaisance. Next comes the attack...

CAFCGirl wrote:

About time I kicked myself into touch obviously!

Onward and upward. If you were perfect, you could never improve.

Open_Wallet_Surgery

Suggestion time ?

Not sure if your current account has an attached saving account to it or not
But if it has why not set up a standing order to sweep across a set ammount each month from the current into the savings account to cover your bills ?

CAFCGirl

Open_Wallet_Surgery wrote:

Suggestion time ?

Not sure if your current account has an attached saving account to it or not
But if it has why not set up a standing order to sweep across a set ammount each month from the current into the savings account to cover your bills ?

No it doesnt but my latest plan was as follows:

I've got another current account with A&L, just set it up, was going to arrange standing order to that account for £100 a month, and then not use the abbey current account that my wages go into, so that my bill money and spending money is seperate from the other.

Was planning on teaching myself the hard way! All credit cards are now cut up, and store cards can't be used as I've decorated them

Is that essentially doing the same thing?